4 Questions to Ask Before You Retire
Most people retire without ever answering them — and only find out which one they got wrong 10 years later, when it's too late to fix.
The Retirement Paycheck Plan answers all four — how to time Social Security, which accounts to draw from first, and how to pay less tax, so your savings last as long as possible.
If you have $250,000 or more saved, this guide was written for you.
And if you already have a plan in place — good. Use these four questions to stress-test it.
Free. No cost and no obligation.
4 Questions to Ask Before You Retire — So You Get the Highest Possible Return After You Do
The Retirement Paycheck Plan answers all four — how to time Social Security, which accounts to draw from first, and how to pay less tax, so your savings last as long as possible.
Free. No cost and no obligation.
Most people retire without ever answering them — and only find out which one they got wrong 10 years later, when it's too late to fix.
If you have $250,000 or more saved, this guide was written for you.
And if you already have a plan in place — good. Use these four questions to stress-test it.
Inside The Retirement Paycheck Plan
Question 1
When should you start taking Social Security?
Take it at 62 and your check is cut by about 30% — for the rest of your life. Wait, and it grows every year you hold off. On page 3, the guide shows you how to work out the best age to claim, and how married couples can stagger it so the surviving spouse keeps the larger check.
Question 2
Which account should you take money from first?
401(k), IRA, savings, brokerage — the order you draw from changes how much you hand to the IRS over your retirement. Page 7 lays out the right sequence, and the one most retirees get backwards.
Question 3
There's a window between retiring and age 73 where you control your tax bill. Are you using it?
Once you turn 73, the government forces you to withdraw a set amount every year, whether you need it or not. The years before that are the only time you decide. Page 12 shows you what to do during that window — and what it costs to sleep through it.
Question 4
How much can you safely spend each month without running out?
Spend too much and you run short at 85. Spend too little and you cheat yourself out of the years you saved for. Page 16 shows you how to work out a safe monthly withdrawal amount — and how to adjust it in a year when the market drops.
You'll have all four answers in 15 minutes.
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